Senior Manager, Commercial Portfolio Strategy

Golden-1-Credit-Union; Manlove (CA); Hybride; USD 135 000 - 175 000; Plein temps

Résumé du poste

Golden 1 Credit Union is seeking a Manager - Commercial Portfolio Management to lead credit risk, financial analysis, and portfolio administration. Hybrid work in Sacramento, CA, with a focus on maintaining asset quality and implementing sound lending practices.

You will manage a team of Portfolio Managers, Administrators, and Credit Analysts, coordinate with underwriting and other stakeholders, and drive risk reporting, policy adherence, and continuous improvement across portfolio management

Qualifications

• Bachelor’s degree required or directly related experience may be considered in lieu of education.
• 5+ years or more managing commercial portfolio management, credit administration, or credit risk functions.

Responsabilités

• Manage and oversee portfolio management activities including annual reviews, covenant monitoring, financial analysis, portfolio administration, exception tracking, and risk reporting.
• Provide consistent expertise in commercial portfolio management, credit administration, and portfolio risk oversight.
• Lead and develop Portfolio Managers, Portfolio Administrators, and Credit Analysts to ensure timely reviews and monitoring.
• Collaborate with Relationship Managers, Underwriters, Special Assets, Compliance, and other stakeholders to meet portfolio objectives and risk requirements.
• Review and approve portfolio actions within authority limits, ensuring timeliness and consistency.
• Monitor portfolio quality trends, concentrations, risk migration, and credit concerns; recommend risk mitigation.
• Ensure accurate collection, analysis, and monitoring of borrower financial statements, tax returns, rent rolls, and other data.
• Maintain integrity of loan portfolio information, risk ratings, covenant tracking, and reporting data; implement corrective actions.
• Organize monthly, quarterly, and annual portfolio performance and risk reports for leadership.
• Present trends, risk findings, and action plans to leadership; support process improvements.
• Collaborate to identify opportunities to enhance portfolio management practices, reporting, and efficiency.
• Ensure governance of portfolio exception management and risk ratings; escalate when needed.

Connaissances

Credit risk

Financial analysis

Portfolio management

Leadership

Regulatory knowledge

Formation

Bachelor’s degree in Business, Finance, Accounting, Economics, or related field

Description du poste

Golden 1 Credit Union is seeking a Manager - Commercial Portfolio Management to lead credit risk, financial analysis, and portfolio administration. Hybrid work in Sacramento, CA, with a focus on maintaining asset quality and implementing sound lending practices.

You will manage a team of Portfolio Managers, Administrators, and Credit Analysts, coordinate with underwriting and other stakeholders, and drive risk reporting, policy adherence, and continuous improvement across portfolio management